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At R4®, it is our model to provide both wealth management and investment management services to our clients using the decades of unique experience and training.
Proper retirement and tax planning can be mitigated by poor investment management and prudent investment management can be made meaningless without proper retirement and tax planning.
1. Contribution Phase (“Seed”)
2. Accumulation Phase (“Store and Grow”)
3. Distribution Phase (“Harvest”)
The contribution and accumulation phases typically get the most focus by financial advisors. However, R4® believes that the distribution phase should be the utmost priority as that will drive the prior two phases.
After all, if you do not plan for how you will spend your savings and investments in retirement then how can you properly plan how much you should save and invest?
While some people believe they know what tax rates will be in five years, it is impossible to have any confidence in knowing what they will be over ten years out. If a client will be taking distributions and/or leveraging gifts in the future, it is important to establish three different buckets of investments with respect to taxation.
1. Ordinary income tax rates (Deferred Taxation like a 401k)
2. Capital gains tax rates (After-Tax Investment Account)
3. No taxation (Roth IRA, Municipal Bonds, or Life insurance Policy)
This material is for informational/discussion purposes only. This is not an offer to buy or a solicitation of an offer to sell securities. There is no guarantee the product will achieve it's objectives. Risk Management is an attempt to manage risk, but does not imply low risk. Securities offered through qualified registered representatives of MML Investors Services LLC. Member SIPC. R4 Risk & Wealth Solutions® is not a subsidiary or affiliate of MML Investors Services, LLC, or its affiliated companies. 186 Wood Ave S, Suite 301 Iselin NJ 08830. 732.623.5700.